Research On The Risk Management Of The Party Payment Under The Internet Financial Background

With the rise of the Internet industry,the concept of "Internet plus"has been deep into every corner of the society,the third party payment in the "Internet plus financial" the tide of the times is a cloud straight.The new payment products such as the red packet,the scavenging payment and so on provide great convenience to the people,and the third party payment is growing gradually.Although the third party payment industry has developed rapidly,it has also brought a variety of risk problems.In 2016,the group's merger and acquisition of money bag treasure,customer funds running,aggregate payment,telecommunications fraud and other topics are not out of the ear.the third party payment industry is the hardest hit areas of financial security,which has been a serious threat to the public financial security,so the financial security problems of the third party payment has been hitherto unknown attention to the risk management work of the government and the public service work also put forward challenge.The risk management research present situation,the third party payment based Security Alliance announced the negative risk event information and risk survey the main factors on the analysis of the third party payment risk facing the payment of this paper include third parties,including policy risk,legal risk,social risk,technical risk and financial risk.And for all kinds of risk in collaborative governance,inclusive conflict,emphasizes the legal thinking and legal form principle,establishment and payment product safety regulatory intervention from the government's regulatory standards,improve the laws and regulations as well as the advanced experience from abroad,combined with the third party payment agencies,defense and security credit system and big data monitoring indicators and portrait the marginal utility of the minimum risk critical analysis aspects put forward the corresponding countermeasures,help the departments of governance risk management methods and positioning,to provide reference for the third party payment risk management.